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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Setting up a payment plan with QQ

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renegadeimp

renegadeimp

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Your CPA's and transactions get cancelled with your bank, NOT the lender. This is enshrined in UK law.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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renegadeimp

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Most lenders will add on a default fee, but as CB says, check your terms and conditions. Legally they are allowed to add a fair charge on, but it MUST be mentioned in the T&C's.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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renegadeimp

renegadeimp

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They can charge whatever they like, but unless they are lawful charges, then you wont be paying them.

 

If the payment transaction on any payment date is dishonoured, returned unpaid, or otherwise missed for any reason, this

will put your Loan Agreement in default and you will be charged a late fee of £12 (the ?Late Fee?), which will be added to

your account

 

Unenforceable and 100% reclaimable as its a penalty fee. perhaps play them at their own game and remind them that they are operating in the UK and not in the US, therefore they should have a nice little read up on unenforceable and penalty charges.

 

The simple fact that they have added this into their T&C's makes it an unfair term, and puts them in violation of their credit licence obligations.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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renegadeimp

renegadeimp

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Dont use until. It has been removed forever. From now on, the only method of payment you will entertain is standing order. If they refuse, then we will really annoy them and you can start sending postal orders and deduct the cost of the PO and stationary used from the total debt accrued. You are well within your rights to do this as they are refusing all other methods of payment, and it shows that you are in no way evading the debt, and you simply want to pay it according to your means.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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renegadeimp

renegadeimp

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I think he/she just wants to know the best way to respond to the last communication they sent.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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  • 2 weeks later...
renegadeimp

renegadeimp

Posted
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Get a complaint into the oft. Regarding payment authority, you cancel that with your bank, not the lender.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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renegadeimp

renegadeimp

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None

 

 

Only info they have the right or need to see is a simplified budget summary. Nothing more.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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renegadeimp

renegadeimp

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Contracted Items ie Phone TV etc £xx

Rent £xx

C Tax £xx

Food £xx

Other essentials £xx

Remaining to pay debt £xx

 

Spot on with that. If you have to list other debts, just put them as "credit card 1 - £xxx" etc.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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renegadeimp

renegadeimp

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The reason they ask for this stuff is to see if you know your rights or not. If you provide them with everything they ask, then its guaranteed you dont know your rights, so they will start threats/harassment etc. Possibly court action to as they are almost guaranteed judgement by default.

 

If you dont provide them with it and provide the absolute basics of what they require, they seem to be more reluctant to do much.

 

Remember, only a court can order you to give any of the info they demanded.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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renegadeimp

renegadeimp

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Oh and also remember, to keep around 1/3 of the money left over after the calculations for "Social purposes". ;)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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renegadeimp

renegadeimp

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Keep quiet about it for now. It may be their systems havent updated yet

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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renegadeimp

renegadeimp

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Yep. If they come calling start the plan letters again.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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  • 1 month later...
renegadeimp

renegadeimp

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Simplr answer. Pay them by postal order and deduct the cost of the po and stationary used from the total debt owed.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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renegadeimp

renegadeimp

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Just do it and make sure you get it recorded delivery or free proof of posting.

 

If you hunt around you may be able to find their bank details.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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